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Univest Financial (UVSP) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Univest Financial (UVSP) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $90.0M · 24¢ of every $1 of revenue kept as net profit · operating margin 30.0%
Univest Financial made $90.0M in Q3 2026 (+8% Y/Y). Operating margin 30.0%, net earnings $21.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $90.0M in Q3 2026, up 8% year over year and up 7% from the previous quarter.
Operating profit was $27.0M, a 30.0% margin (down 8.5 points year over year). Operating profit fell $5.0M even though revenue rose $6.8M versus Q3 2025, so costs grew faster than sales. Total costs grew 23% against revenue growth of 8%. The fastest-growing cost line was Sales & marketing (+143%). Net earnings were $21.6M, down 16% year over year. The effective tax rate was 20.2%.
Operating cash flow was $46.4M (up 45% year over year), 215% of net earnings. Non-cash charges added back $1.3M of share-based compensation. Working capital and other items added $23.5M. Capital expenditures of $1.2M left free cash flow of $45.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $90.0M | +8% | 30.0% | $21.6M | $46.4M |
| Q2 2026 | 10-Q | Jul 28, 2026 | $84.4M | +4% | 33.9% | $23.0M | $24.0M |
| Q1 2026 | 10-Q | Apr 28, 2026 | $87.5M | +10% | 38.3% | $27.1M | $22.1M |
| Q4 2025 | 10-K | Feb 23, 2026 | $84.6M | +10% | 34.0% | $22.7M | $30.7M |
| Q3 2025 | 10-Q | Oct 24, 2025 | $83.2M | +14% | 38.5% | $25.6M | $32.0M |
| Q2 2025 | 10-Q | Jul 29, 2025 | $81.0M | +12% | 30.9% | $20.0M | $23.3M |
| Q1 2025 | 10-Q | Apr 29, 2025 | $79.2M | +3% | 34.8% | $22.4M | $15.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Univest Financial
The Corporation is a Pennsylvania corporation, organized in 1973, and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956. The Corporation owns all of the capital stock of Univest Bank and Trust Co. (the "Bank") and is the sole member of 1876 Double Eagle LLC. The consolidated financial statements include the accounts of the Corporation and its wholly owned subsidiaries, the Bank and 1876 Double Eagle LLC. The Corporation's and the Bank's headquarters are located at 14 North Main Street, Souderton, Pennsylvania 18964. At December 31, 2025, the Corporation had total assets of $8.4 billion, net loans and leases of $6.8 billion, total deposits of $7.1 billion and total shareholders' equity of $943.3 million.
In its own words, from its 10-K, filed Feb 23, 2026.
Univest Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 30.0% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| UVSP Univest Financial | Q3 2026 | $90.0M | +8% | 30.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Univest Financial 10-Q on SEC EDGAR · CIK 102212 · State Commercial Banks
Guidance and outlook
13F: who owns UVSP and who is buying
More on UVSP
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results